lol. I am genuinely laughing at this bro. normally you look at a fund based on its returns, volality and past/future history

NOT THE SWITCHING FEE

You have no problem buying that. Is just a kind of protection. Double edge sword. If you think RM got no where to go but down, get the one priced in other currency. It will give you better gains IF RM continue to depreciate.

Bro, RM going down, you will want to buy USD before it's going down. Buying RM offers no protection against USD if RM decide to go down. Understand? If RM is going up, of course I will take the RM class.

A good eg.
RM is going to depreciate to 5 against the USD by year's end. You know that will happen. So what do you do? Buy USD now or don't do anything? By buying USD now, you "protect" your RM as by year end, if you convert your USD, you would have made extra RM0.5 (you will get RM5)

If you do nothing (buying Class MYR), your RM is still at RM4.50

After the discussion on currency class ( USD Hedged vs MYR Hedged ), anybody is switching his funds to USD class ( if available ) ?

Ringgit is getting stronger now, 1 USD->MYR 4.43.

indonesia quite thematic for investing few years back, they have jokowi-ahok team reforming the country policy, just that recently they are facing strong resistance to put them down.

quite like the cimb offers of global titan and chindiaindo fund,
basically these funds benchmark are fixed ratio allocation:
global titan: us 42%, euro 36%, japan 12%, liquidity 10%
chindiaindo: china 33%, india 33%, indonesia 33%

thus, 50/50 allocation of both fund will give you about:
us 21% (north america)
euro 18% (europa)
japan 6% (asiapac advanced)
china 16% (north asia)
india 16% (south asia)
indonesia 16% (south east asia)
liquidity ~7%

you get the best from advanced and emerging region, and
just need to focus on the advanced-emerging allocation ratio,
rest of the rebalancing will be done by fund manager (if one region go down, and another go up).

if include a home country fund (like kgf) and low volatility local bond fund (like anita),
then you can easily construct a lazy portfolio of advanced/emerging/home-country/bond 4 funds strategy. 

If a fund like ponzi 2.0, which based in USD, when MYR appreciate against the USD, the MYR class will suffer in performance

If you are talking purely in currency exchange, then you are right, but not in UT in general

just out of curiosity and keen to learn....
i had read may past posting about allocations, some posted about their portfolio allocation.....
was wondering,...
after having selected the "diversified "portfolio...(for example: the above post)

how does one go about setting the allocations?
example.....some go for india 5% and some go for india at 16%

how does each of you determine the allocations for the fund?

You seems so confident RM will continue to appreciate...

Hi guys.

My 6 months portfolio as below:
RHB AIF - 37.5%
Eastspring Global EM - 37.5%
Manulife India - 25%

Planning to get Ponzi 2.0 and AmReits later.
And then some US exposure fund later.
I'm pondering between Manulife US/TA Global/Global Titan. Any advise?

p/s: not getting any bond fund coz I have my flexi acc.

Hey bro, thank you very much for your input.

Well, when i started selecting the funds that I wanted to invest in, I shorlisted 6 funds in total in which i would want to invest in.

So deicded to randomly invest in at least 2 out of the 6 shortlisted funds first and then to thereafter invest in the balance 4 funds once my Fd matures (end of January and the second which is around March).
So, just to ask, it's ok to invest in those 2 funds right ?

[attachmentid=8432571]
Where can RHB Asian Income high volatility? All your other eight funds money market fund ar?

Xuzen

LOL! Lu tak tau ada distribution meh? Ha ha ha ha......

either he adapt and take the UT way with lesser expectations or go back to stocks where for now, he belongs. one, for one, is getting a bit peeved with constantly hammering the need to chill and take a break because it's long term and somehow it's not dialled in.

I have no credentials, just game time in the game. If he's a money maker sifu, then so be it. quoting ramjade " don't listen to this, i might give wrong info"

okay little brother. (yes I call you one because you remind me of that little brother that we all have) so do listen up. you may believe that you are right by doing multiple switching after all its your prerogative but I would like to point out that there's a long delay between your switch transactions and with multiple transactions in a year those lag days will accumulate and instead of appreciating your money will shrink in front of your very eyes. compounding the fact that you are being charged multiple service charges and switching fees.

reflect on that for me little brother. happy Chinese new year.

Is that how it works in CIMB click?

In FSM there is intra and inter fund house switch.

Inter fund house switch there is normally a 2 day lag and service charge.

You can define your own meaning but in FSM and the general audiance here, we read the word 'switch' to include both type of switches.

Now tell us how you intend to do intra switches with your 9 equity funds.

any recommended fund to RSP? for mid to long term.